Healthcare in HK?

[chamomiIe]

Back in home country, was thinking of dealing with a bevy of medical stuff
- Potentially allergic to a bunch of stuff, vaguely remember getting a test back home and they told me i might be allergic to trees and grass but not sure, I might want immunotherapy
- Have been told (not officially diagnosed) i might have a deviated septum and septoplasty could help
- Clinically diagnosed with ADHD, both at home, also paid to see private psych in HK and have meds here, but no appointment in public healthcare system yet
- recently having sleep issues, would like a sleep study done
- need a new nightguard for teeth grinding
- basic dental cleanings

So typically in my home country, the employer covers health and dental insurance.

I don't have such luck here, I was thinking of getting coverage for these things.

Is there any such insurance here I can take privately? I understand there are restrictions surrounding "Pre-existing conditions" but wondering if there are ways to circumvent that given how the only things I've been diagnosed with officially in HK and even overseas is ADHD (though the meds are about $100 US a month, so coverage for this would be preferable)

[SirNotAppearing]

Check your PMs.

[PLamHK]

On average you will always pay more for insurance than you get back - if this were not so insurance companies would not be viable businesses. Pre-existing conditions exclusions almost always mean things that you are or should be aware of. It doesn't really matter where such diagnosis was made. I wouldn't recommend making knowingly false (i.e. fraudulent) statements in an attempt to get insurance payments.

A relative suffers from allergies and has septum deviation. He has quite quickly managed to get into the public system for further investigations and treatment which is ongoing, so that is perfectly possible here.

[chamomiIe]

Thanks for the recommendations.

The allergies thing is the biggest point of contention for me, an outpatient clinic doctor told me that that wasn't something the public healthcare system covers in hong kong and she promptly rushed me out.

[shri]

Allergies - If the specific allergies that you have are not common in HK you're going to have a hard time getting treated here.

A relative of ours from the UK has some strange photosensitivity type (I don't know the details) allergy that gets triggered by some outdoor environments. He went to a local "professor" practicing at Gleneagles and was told it might be something quite different from what the NHS / GP in the UK had initially diagnosed.

The photo-whatever-allergy was confirmed following some specialist testing done by the NHS. The local GP and specialist was completely clueless about this and they had random UK qualifications/certifications and were teaching at HKU.

[chamomiIe]

On average you will always pay more for insurance than you get back - if this were not so insurance companies would not be viable businesses. Pre-existing conditions exclusions almost always mean things that you are or should be aware of. It doesn't really matter where such diagnosis was made. I wouldn't recommend making knowingly false (i.e. fraudulent) statements in an attempt to get insurance payments.

A relative suffers from allergies and has septum deviation. He has quite quickly managed to get into the public system for further investigations and treatment which is ongoing, so that is perfectly possible here.

The ENT was schedule 1 year away, and psychiatry is 2 years away. Could you please elaborate a bit more about not getting on-balance enough?

For instance, if I only intend on paying for those treatments - allergies and septal deviation - wouldn't that be enough on-balance?

Obviously, this is not the most ethical hypothetical, but even if I was aware of them but did not claim or have medical history in HK, there would be no repercussions, correct?

[chamomiIe]

Allergies - If the specific allergies that you have are not common in HK you're going to have a hard time getting treated here.

A relative of ours from the UK has some strange photosensitivity type (I don't know the details) allergy that gets triggered by some outdoor environments. He went to a local "professor" practicing at Gleneagles and was told it might be something quite different from what the NHS / GP in the UK had initially diagnosed.

The photo-whatever-allergy was confirmed following some specialist testing done by the NHS. The local GP and specialist was completely clueless about this and they had random UK qualifications/certifications and were teaching at HKU.

Mine are trees and grass

[SirNotAppearing]

Thanks for the recommendations.

The allergies thing is the biggest point of contention for me, an outpatient clinic doctor told me that that wasn't something the public healthcare system covers in hong kong and she promptly rushed me out.

My wife has seasonal allergies and she got some effective nasal sprays from the public clinic in Central. Doc said it was one of the most common complaints he saw.

I've never been allergic to grass, but when I visited family in Devon, I sneezed my head off most days. At night, in the pub with my cousin and uncle, the cider was what stopped it. Until the next day.

[Guy_in_HK]

I sneezed my head off most days. At night, in the pub with my cousin and uncle, the cider was what stopped it.

Cheers to trying to drink your problems away.

[SirNotAppearing]

Cheers to trying to drink your problems away.

I was 16 and had no idea cider had alcohol, as the cider I had in the US was non-alcoholic. I was like, yes, more please. Two and I was sloshed.